Overpaid my student credit card, what do I do?

freckles88

Hi I have managed to overpay my Natwest credit card - I paid off the full balance two weeks before it was due but they decided it was still necessary to take the minimum payment off the last statemtn by direct debit, so I am now in credit on my credit card!

What should I do? If I just use the card to buy something of the amount I am in credit they wont start asking me to pay that back too/charge interest on it? I have now cancelled the minimum payment direct debit, dont intend to use the card for a while now.

Anyone else been in the same situation? What is the easiest thing to do that wont cost me anymore money?

Thanks

ellesbellesxxx

If you call them, they should be able to refund...crazy people hmm?

jonesMUFCforever

Much less hassle IMO to just spend the credit.

The_Matelot

i had a similar situation with cap one mate. i called them, cancelled the DD and they said just spend the credit it wont affect anything

msgnomey

depend how much it is really! I had a +ve balance on my tesco card, rang them, they sent me a cheque